Paying off my credit cards

I am looking to pay off my credit cards into one easy monthly payment. I don't use the cards often and it is much easier to make one loan payment rather than multiple payments.

Q: How secure is your job? What is your home value and the mortgage balance (if any)? Thanks. - courteous-bazaar

A: My job is very secure, my company is one of two that has been profitable even during the downturn. Home was purchased this year and actually has increased in value according to new appraisal. Value of home is 276,000 I believe. loan is 267,000. Looking to consolidate payments of credit cards into one. (Nov-22-2010)

Q: Hi, What kinds of airplane do you fly? Thanks, - p2ploan-sensation211

A: Airbus A320 (Nov-22-2010)

Q: What are your budgeted monthly expenses, and income? How are your going to be making room to make this payment every month within your budget? Thank you in advance for your response. - ZPBSFinancialGroup

A: Hi, I already make more than this payment on multiple cards. this actually saves me money and allows cards to be paid off and have one loan payment in place of multiple payments. (Nov-22-2010)

Management of coffeeshop -capital

Purpose of loan:
(explain what you will be using this loan for)

This is a third?loan from this forum to manage the coffee shop business that was acquired through a loan from this forum, this time it is for?capital investment on replacing old equipment that breaks or is not enough , second loan was to repay some of the high interest credit card loans that were taken for?inventory management and other day to day expenses. First loan was repayed completly.
This? coffee shop is with a Franshise that sells coffee , sandwitches and cakes and has established clientale .

My financial situation:
(explain why you are a good candidate for paying back this loan)



Based on the cash flow of business available to me these loan expenses can be easily met. My overall finance charges might be same as the second loan that I am almost done paying, also my payment history is a testimony, I have made 40 payments on time.

My monthly budget:
Net income after deductions 4300
Mortgage/rent: $1500
Insurance: $120
Car expenses: $200
Utilities: $300
Phone, cable, internet: $130
Food, entertainment: $600
Clothing, household expenses $200
Credit cards and other loan payments: $210
Other expenses: $100
---------------------------------------
Total monthly expenses: $3360
Free cashflow available after expenses: 940

Q: Your revolving credit is $24K, a rather high figure for your reported salary. What is the content of the debt, line of credit, credit card ..... - jpblan11

A: It is a line of credit that I feel I can turn around in a more productive manner. Thanks. (Nov-19-2010)

Q: How much time will it take for you to purchase and install your new equipment and will this in anyway impact the hours your store is open? - bluefinch

A: No it is planned after business hours in different time slots over next few months and should not effect business. Thanks. (Nov-20-2010)

Replacing our dying heat pump

Purpose of loan:

I'm looking to replace our very old (and almost non-functioning) heat pump. I have only a top-bounds estimate of what that will cost because I can't shop around for the best offer without the leverage of cash in hand. Also, I've seen some great deals with the potential for significant savings, but only for upfront payments of the full amount - financing via the installer would be much more expensive. I also hope to improve the energy efficiency and weatherproofing of our home as part of this process.

My financial situation:

I started a new job almost 2 years ago that involved a raise of almost 40% and my expenses have dropped, if anything. So I know I could save enough to finance this directly before summer. However, my wife is expecting and the cold in the house has been getting worse every winter - I really don't want to put her through that again in her current condition. I'm trying to combine a small loan from Prosper with 2 or 3 months' savings to make this happen before temperatures really start dropping.

I anticipate no issue with the monthly payments - I'm already running on a monthly budgetary surplus of at least 1k. My credit history has been shaky in the past, but my income has caught up with and exceeded my expenses. I've cleared off most of my debt this year, aside from long-term obligations like the mortgage and student loans. My record is improving dramatically over time and will continue to do so.

Please help me keep my wife warm this winter - she has enough to deal with as it is.

Monthly net income: $ 7180

Monthly expenses: $ 5200

??Housing + Insurance: $ 2000
??Car expenses: $ 750
??Utilities: $ 350
??Phone, cable, internet: $ 200
??Food, entertainment: $ 900
??Clothing, household expenses $ 500
??Credit cards and other loans (including student loans): $ 500

Paying off my Credit Cards

Purpose of loan:
This loan will be used to consolidate my credit cards into one payment making it easier to manage and saving myself interest in the process.

My financial situation:
I am a good candidate for this loan because I have excellent history on my credit report and on Prosper. I'm a homeowner and I have never missed a payment anywhere. I'm working hard to be debt-free and this is hopefully a major step up in saving myself hundreds of dollars in interest and fees.

Q: Hey Forest Park here. What type of work do you do? Do you feel you have good job security? - Oak-Parker

A: The company I'm with does outsourcing for the electronic execution environments for futures options and derivatives trading. It's fast-paced and in high demand. We're in an active hiring phase right now and don't foresee any real slump in demand anytime soon. Volatile and unstable markets are the moneymakers in my industry and there's no end in sight for those. (Nov-18-2010)

My personal loan

Purpose of loan:
This loan will be used to pay for my 2010 property tax bill both city and county.

Blindsided My Medical Bill

Purpose of loan:
This loan will be used to Pay off an unforseen Medical bill. I had a cat scan, and some other diagnostic tests done on me, only to find out that there is nothing wrong with me.

My financial situation:
I am a good candidate for this loan because?
I have good credit, and am not going to damage my credit score?by not paying off this loan.
Monthly net income: $

Monthly expenses: $
??Housing: $ 645
??Insurance: $ 120
??Car expenses: $ 382
??Utilities: $ 75
??Phone, cable, internet: $ 200
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Q: Please list your TOTAL household income, and expenses by category for you and or your spouse. Thank you in advance for your response! - ZPBSFinancialGroup

A: I make 45,000 a year. I have no spouse, & no children. My monthly expenses are 382.00 for car note, 645.00 for rent, cell phone, cable/ internet is 200.00, utilities are 75.00, car/renters insurance is 120.00. (Nov-02-2010)

Q: Do you have medical insurance? - Lender25

A: Yes, but based on my bill, one would think I don't! It actually would have been double that amount if I didn't have insurance. (Nov-06-2010)

Q: What is your occupation? Thanks for your listing. - _NaLNaBB

A: Non commissioned Security Officer. (Nov-08-2010)

Q: By subtracting your expenses from income, it looks like you have about $28,000/year in extra money. Are you using that money for something? Thanks! - motor764

A: I am applying for this loan, because I dont have the money to pay the bill off in full. If I had 28,000 dollars or any other amount close to the amount I am asking for, I could just pay the bill off in full, & not have to obtain a loan. Thanks. (Nov-08-2010)

Funds Tight, Car Needs Some Work

Purpose of loan:
This loan will be used to fix the wife's vehicle.? Having just bought a house, funds are tight and the vehicle needs some service

My financial situation:
I am a good candidate for this loan because, well, basically because we just bought a house!

Monthly net income: $ 7400 between the two of us.....

Monthly expenses: $ 6000
??Housing: $ 2000
??Insurance: $ 100
??Car expenses: $ 600
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 700
??Clothing, household expenses $ 1000
??Credit cards and other loans: $ 500
??Other expenses: $ 700

paying off about three cards

Purpose of loan:
This loan will be used topay off some cards?

My financial situation:
I am a good candidate for this loan because?I have been paying bills on time?

Monthly net Monthly expen1150.00:??Clothing, household expenses $ 250.00
?Credit cards and other loans: $ 500.00
??Other expenses: $
g325.00as, and other expense equal

Credit Card Payoff

Purpose of loan:
Payoff two credit cards.? Really just trying to restructure my debt.? I will be using money in budget already used to pay current credit cards, so not assuming any more debt through loan.? Simply trying to save $130 a month and give back to you instead of the bank.

GMCard: $13,200 @ 22.49%? currently paying $577
Discover: $1,800 @ 25.24%? curently paying $50

Total paying now: $637 which will reduce to $508 with the loan.

My financial situation:
Military officer with over 15 years in the military.? I have never been late on any payment for any debt.? I have several thousand left in budget every month so payment is not an issue, just trying to reduce interest.

I can provide any other information you guys want just let me know.

Q: Care to provide your monthly NET income and a detailed account of your monthly expenses, and the number of family members you support? Thanks. - jpblan11

A: Monthly NET income: $7369 Family members: 2 (wife) Monthly expenses: Bills/Expenses: $3,032.22 Invest/Charity: $815.00 Debt: $925.00 Mortgage: $1,412.71 Extra: $1,184.66 (Nov-15-2010)

Q: Please explain what the $66K in revolving credit is comprised of e.g. credit cards, line of credit etc... - jpblan11

A: Credit cards as stated in loan request. Other line of credit used for family medical expense. Base payment for both included in debt expense listed for last question. (Nov-15-2010)

Propane, Christmas, Safety Net

Purpose of loan:
Thank you for your consideration.

This loan will be used to fill our propane tank and pay for Christmas without having to use the credit cards.? I will also use some as?a cushion against the car repairs/major appliance breakdown/emergency room visit/etc. that tend to pop up with we are least prepared and would force us to the cards.? I understand that taking out a loan just in case might be odd but since I was going to apply for the funds for the propane and Christmas I decided I'm willing to pay the interest on the cushion in return for the "insurance."? It helps a bit that the money will?go into an interest bearing savings account that compounds monthly.? Prosper interest rates are lower than the cards and, frankly, I'd rather pay you than Capitol One.

My financial situation:
I am a good candidate for this loan because?We have worked hard to get the credit scores up and keep the cards reasonable.? Had tried in the past to get away from them completely but, like many, we have been operating with frozen salaries (my wife actually endured a 10% reduction for almost a year) but with the higher expenses, especially health insurance.? We've been able to stay on an even keel but we have depleted the savings.? It's an uncomfortable feeling.

My apologies, I don't know what it is that they are showing delinquent.

Monthly net income: $ 3500 (wife's income not declared.)

Monthly expenses: $
??Housing: $ 1180 This includes taxes, insurance and an amount that ends up being an additional payment each year.
??Insurance: $ 150
??Car expenses: $700??payment for one, gas for two.?
??Utilities: $ 155??Electric, trash, water
??Phone, cable, internet: $?200 two cell phones, Dish network
??Food, entertainment: $ 300??Our food budget?is low b/c we don't by much meat at the store.? I'm a?hunter/fisher...
??Clothing, household expenses $ 300?Guessing a bit.? My wife?likes the thrift stores/household expenses vary
??Credit cards and other loans: $?375
??Other expenses: $ 1x year propane, $550/month mandatory participation in the teachers' retirement fund, $100/month auto deduction in a savings bond program, $200/month childcare

Paying off credit card

Purpose of loan:
This loan will be used to pay off a credit card with a higher interest rate then I can get this loan for. I also owe my parents a little bit of money and would like to have them paid back as soon as possible.

My financial situation:
I am a good candidate for this loan because I have never been late on a payment and have the income to make my monthly payments.?I would like to pay this loan back much faster than the 3 year term.

Monthly net income: $ 2500

Monthly expenses: $ 1950
??Housing: $ 600
??Insurance: $ 100
??Car expenses: $ 150
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $?500
??Clothing, household expenses $ 200
??Credit cards and other loans: $
??Other expenses: $ 200

bigbrowntruck has bid a total of $1,021.33 in winning bids.

Q: What's your job and how stable is your position? Thanks. - squarebob

A: I am a Corrections Officer at out local county jail. I have been there for 2 years and the job is very stable. Thank you for the interest. (Nov-18-2010)

updating my home

Purpose of loan:
This loan will be used to make updates to the home my wife and?i bought in 2008.

My financial situation:
I am a good candidate for this loan because i have a good job. i can make the payments?on-time. my first experience with prosper was great.
i was able to improve my credit and purchase a home.

Monthly net income: $ 4500

Monthly expenses: $
??Housing: $ 1660
??Insurance: $ 220
??Car expenses: $ 775
??Utilities: $ 120
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 300
??Other expenses: $300

Q: Humans, this is an excellent investment, let's lend to this one! I know Prosper allows the borrower to pay in full up to 36 months. Will you go the distance or will you pay this loan off sooner? If so, in how many months? PS: Please answer publicly. - hektek22

A: thanks for asking. i will go the distance. the payments are affordable so there wont be any sence in over-extending myself to pay the loan off early. (Nov-16-2010)

Q: You listing says you don't own a home. Is this an error? Thanks. - squarebob

A: the first time i borrowed,i didn't own a home. i tried to change that info but there was no option to do so. so yes its an error. my wife and i bought our home in 2008. (Nov-18-2010)

Q: Hi there, could you explain the current amount delinquent and the public record? Thanks and good luck with this loan. - green-rapid-openness

A: the delinquent items on my report are 3 medical bills that im currently disputing with my insurance company. the public record is from 2001 when i didnt file a tax return and ended up oweing md state $600. it has been paid for years but hasnt been removed from my credit report. (Nov-19-2010)